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Question By
grrl912

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0 People Helped
I have a medical bill from June 2008 on my report. Shouldn't that be gone by now?

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1 Contribution
27 People Helped

sorry

Helpful to 27 out of 33 people

They take 7 years to drop off. & that's only if they don't "sell" it to a collection account. If it keeps getting sold it doesn't drop off bc it becomes a new account. That's how they keep it on your report.:(

Reply by
Blackknight270

1 Contribution
28 People Helped
Helpful to 28 out of 28 people

It doesn't matter if they sell the account.  It can't stay on your report longer than 7 years past the date it first became delinquent and was not brought current.  The delinquency date is the date your first went into default. Collection agencies are required by fedral law to report the original deliquancy date from the original debt.

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Reply by
Aimit12

136 Contributions
42 People Helped
Helpful to 1 out of 3 people

I’d like to share my story too. Just a few weeks ago i was homeless, i was jilted by my online lover. and he had robbed me of everything i had. By the time i realized i was being played, my credit score was already 458 , i had an eviction on my report and a large debt on my credit. I was on my way to the little corner behind the store where i normally sleep when i saw a fellow homeless person who i met some days ago and he was looking so changed and successful. I immediately began to beg him to tell me how he made it so fast and because i had told him my story when we previously met, he understood my problem and gave me the contact of the hacker that helped him. i contacted the programmer (ex FICO and Experian agent) and he fixed my credit, raised my credit score and cleared all negative listings on my credit in less than 9 days. I would have kept quiet about this, but i won't be able to forgive myself for not helping people who are in terrible conditions like i was. "gmorrison741 @ g m a i l . c o m" is the programmer's email address. I wish you good-luck. Y’all can thank me later. 

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Reply by
jloes

171 Contributions
25 People Helped

Get your credit cleaned with the help of a reliable personnel Fico and Ex Transunion agent! He's tested and trusted. I had a very low credit score (around 520) and it was ruining my life. I needed help. I was very depressed because of it and had been trying to repair it but It just seems nothing was capable of getting my score raised quickly. I needed something done fast. I had read a lot of good things about this hacker online which gave me a go ahead to try him out. I almost gave up my search for a real agent because I kept meeting fake people who are not capable enough and who are always after the money, I've been conned by them. this programmer is not about the money but about attaining a good reputation at always satisfying his customers. My credit score is now 780, 790 and 820 on all big 3 bureaus and it was 100% confirmed by FICO. This is my way of showing appreciation for a job well done on my credit report. Reach out to him for help at yatesnovakovic @ g m a i l . c o m  He's affordable and always at your service.  

1 Contribution
8 People Helped

Correct Response

Helpful to 8 out of 8 people

The correct response is that a collection account can only legally be on your credit report for 7 years after the origination date unless you talk to the collection company at any point and tell them you will eventually pay. This will lengthen the time the debt can remain on your report and this way is completely legal.There is an extremely illegal practice that collection agengies use to " re-age" the debt. They "re-age" the debt by either selling the debt and the new company lies about the collection account origination date when reporting to the credit bureaus or the collection agency makes a small illegal payment on the account which keeps the account open longer. This small illegal payment might be a penny or a dollar. This is the perfect reason to print out your credit report every time you look at it, to check for these errors or illegal practices. My family has seen this happen as we are all tax accountants. Follow this and you will see the collection accounts fall off of your report after 7 years or you need to dispute and potentially contact a lawyer to handle the fraud commited by these collection agencies.

1 Contribution
7 People Helped

Helpful to 7 out of 7 people

You can call and talk them and tell them about your problems and tell that you dont have the money and you need to have it sponged which will lower it to about  700. to 100. they want something instade of nothing

2 Contributions
3 People Helped

Helpful to 2 out of 3 people

This is in response to one of the guys about how long an object can stay on your credit file . I have a collection account that has been on my credit for 21 years and never has been removed . I'm still not  for sure why but I have had several agencies working on this and it is still there , so don't tell me it automaticly comes off in 7 years because it does not

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171 Contributions
25 People Helped

Fix it here

Get your credit cleaned with the help of a reliable personnel Fico and Ex Transunion agent! He's tested and trusted. I had a very low credit score (around 520) and it was ruining my life. I needed help. I was very depressed because of it and had been trying to repair it but It just seems nothing was capable of getting my score raised quickly. I needed something done fast. I had read a lot of good things about this hacker online which gave me a go ahead to try him out. I almost gave up my search for a real agent because I kept meeting fake people who are not capable enough and who are always after the money, I've been conned by them. this programmer is not about the money but about attaining a good reputation at always satisfying his customers. My credit score is now 780, 790 and 820 on all big 3 bureaus and it was 100% confirmed by FICO. This is my way of showing appreciation for a job well done on my credit report. Reach out to him for help at yatesnovakovic @ g m a i l . c o m  He's affordable and always at your service. 

Top Contributor
15 Contributions
47 People Helped

Helpful to 2 out of 5 people

I think there may be a misconception here.  The 7 year deal is actually of inactivity.  I think that is why you will find that if your account goes into collection, it starts the time all over again.  After about 5 years of not being able to find you, they will sell it again and it starts all over.

If you owe money, you should pay it.  It is the right thing to do and that will get it off your report.

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Reply by
Aimit12

136 Contributions
42 People Helped
Helpful to 1 out of 3 people

I’d like to share my story too. Just a few weeks ago i was homeless, i was jilted by my online lover. and he had robbed me of everything i had. By the time i realized i was being played, my credit score was already 458 , i had an eviction on my report and a large debt on my credit. I was on my way to the little corner behind the store where i normally sleep when i saw a fellow homeless person who i met some days ago and he was looking so changed and successful. I immediately began to beg him to tell me how he made it so fast and because i had told him my story when we previously met, he understood my problem and gave me the contact of the hacker that helped him. i contacted the programmer (ex FICO and Experian agent) and he fixed my credit, raised my credit score and cleared all negative listings on my credit in less than 9 days. I would have kept quiet about this, but i won't be able to forgive myself for not helping people who are in terrible conditions like i was. "gmorrison741 @ g m a i l . c o m" is the programmer's email address. I wish you good-luck. Y’all can thank me later. 

1 Contribution
3 People Helped

Helpful to 3 out of 9 people

What medical bill?

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